Indianapolis Recorder, Indianapolis, Marion County, 15 October 2004 — Page 5
FRIDAY. OCTOBER 15, 2004
THE INDIANAPOLIS RECORDER
PACE AS
P040102 02/04
State farni Mutual Automobile Insurance Company (Not m NJ), Bloomington, IL
Shopping for \ aulo insurance By Leland Brown and Greg Cook State Farm® agents Whether you’re a first time buyer of auto insurance or already have it but are looking for a better deal, you should be asking several questions. First, is the person from whom you’re buying (your agent) a visible, established member of your community—someone you know and ’ trust? Second, is the company from whom you’re buying well known? What is its reputation? What about price? Because there are hundreds of companies competing for your business, prices vary—sometimes a lot. It may pay you to shop. Be sure the premiums you’re quoted are for equal amounts of coverage. How about service? Price is important but saving money won’t mean much unless you get the service you need— when you need it. If possible, ask other clients of your prospective agent how they’ve been treated, especially when they’ve had a claim. Find out how the company handles claims. Is the method convenient for you, no matter where you have an accident? How about solvency? Is the company you’re considering still going to be in business when you file your claim? Your state department of insurance has financial rating information on all of the companies that do business in its state. Once you’ve decided on a company and an agent, there are more
questions to ask. How much coverage do you need? The required minimum amounts of liability coverage may not be enough for you. Consider your needs in light of your assets and income. How much can you afford to pay if there’s a big judgement against you because of an accident? What about deductibles? Deductibles lower your premiums—most commonly for collision and comprehensive coverages —but increase the amount of loss that comes out of your pocket. How much additional risk are you willing to take in order to save? Should you carry collision and comprehensive coverage? As your car’s value decreases, you might consider dropping these coverages and pocketing the savings on premiums. But consider if the savings are enough to offset the risk of footing the entire cost of repairing or replacing your car. Auto insurance is not a generic commodity. It is a product that should be tailored to each individual. Your agent can help you answer these questions and thereby help you tailor your auto insurance to your specific and unique needs.
SWITCH gears to State Farm AND SAVE up to 40%.
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Charlotte Adams-Jones, Agent 5034 E 5bth Street Indianapolis, IN 4b22ft Bus: 317-252-5933
Find out why more people trust State Farm for car insurance. See if you qualify for Multi-Car and Multiple Line Discounts. Call your neighborhood State Farm Agent today. We Live Where You Live.'
Wanda Bell-Brown, Agent, CEU 8345 Little Eagle Ct Indianapolis, IN 46234 Bus: 317-273-9300
Brenda Bond, Agent 4475 West 71st Street Indianapolis, IN 46268 Bus: 317-328-0882
|charloue.adaias-jont's.cvl5(aStatcfannami [email protected] [email protected]
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Carl K Cox, Agent 2824 N High School Indianapolis, IN 46224 Bus: 317-29 3-5955 [email protected]
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Frances Johnson-Robbins, Agent Veronica E Montgomery, Agent 5707 N Michigan Road 7503 Rockville Road Indianapolis, IN 46228 Indianapolis, IN 46214 Bus. 317-257-3504 Bus: 317-271-9780 franas.johnson-nihbinsci-pifetaicfami.com [email protected]
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Leland Dean Brown Sr., Agent 2519 E 65th Street Indianapolis, IN 46220 Bus: 317-251-1400 [email protected]
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Scott Nichols, Agent 7223A West 10th St Indianapolis, IN 46214 Bus: 317-243-1509 [email protected]
Greg Clark, Agent 6335 Oaklandon Road Indianapolis, IN 46236 Bus: 317-823-5877 greg [email protected]
Phil Raspberry, Agent 9546 Allisonville Rd Indianapolis. IN 46250 Bus: 317-849-4422 [email protected]
Greg Cook, Agent 2502 bike Circle Drive Indianapolis, IN 46268 Bus: 317-872-7761 [email protected]
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Rick Smith, Agent 1317 West 86th Street Indianapolis, IN 46260 Bus 117-255-7900 [email protected]
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